“A leasing company may require them to have insurance because they want to protect the bike,” Boyle said. Other riders may take out a policy to insure their investment, or may not know motorcycles are exempt.

What happens if a person gets hit by a motorcyclist without insurance?

“If the person who was hit doesn’t have uninsured motorist coverage, the person would probably have to go to small claims court and take civil action” against the motorcyclist, Boyle said.

Thanks to people who sent e-mails. Click on the links for previous answers.